The yellow bear Spilosoma virginica* isn't nearly as well known as the woolly bear, but is nearly as widespread. The caterpillar has longer softer 'fur' (setae) and is usually all yellow (but darker forms occur). While the woolly bear is found throughout the late fall and even the winter as a caterpillar, the yellow bear pupates to survive the cold months. The caterpillar can host on almost any kind of plant, including a variety of garden plants and trees and shrubs. The moth, the Virginia tiger moth, is a pretty but unassuming white creature.
*Virginian specked-body